Home Insurance

Your home may be your castle, but it is still vulnerable to a wide range of risks. When it comes to protecting your house, possessions, and assets against potential hazards and perils, only the highest quality home insurance will do. At Terp Insurance, we offer competitive rates on quality home insurance coverage designed to minimize your risk and protect your assets.

A personalized policy can provide protection against many different perils, some of which include:

Types of Home Insurance Coverage

Home insurance comes in many different forms. A typical policy includes several different types of coverage, each of which serves an important role in protecting you against loss. Examples include:

Dwelling and Other Structures

You invested a lot into building or purchasing your house. As perhaps your greatest asset, your home deserves to be protected against a wide range of perils. Standard home insurance includes coverage for your house, as well as the other structures on your property. We recommend insuring your property for its replacement value to help cover the full cost of rebuilding or repairing your home after a covered event.

Personal Property

If your purse and luggage are stolen from your car, or you lose all of your belongings in a fire, the personal property coverage in your home insurance policy can provide compensation for your loss.

Liability

If a guest slips and falls down your stairs, your homeowner’s liability insurance can help cover the medical bills. This coverage is also important for protecting your assets and income against accident-related litigation. If you or a member of your household is at-fault for an injury, your liability coverage can help pay for legal fees, judgments, and settlements related to the case.

Loss of Use (Displacement)

Imagine having to find somewhere else to live while your home is rebuilt. In addition to paying your mortgage, you now have to pay rent or perhaps a nightly hotel charge. Home insurance can provide reimbursement of your excess living expenses due to the cost of temporary living arrangements when you are displaced from your home due to a covered event.

Renters Insurance

Renting has its perks – greater flexibility, no maintenance, and less to insure. Of course, that does not mean you are immune to risk. Even if you do not own the place you call home, you still need insurance to protect yourself and your belongings and against an accident or covered risks, such as fire or theft. Renters insurance typically includes coverage for:

Manitowoc Renters and Home Insurance Quotes

If you live in the greater Manitowoc area, let Terp Insurance help you save on home or renters insurance. As an independent agency, we work for our clients, not the insurance companies. We understand the unique needs and risks of local Wisconsin residents, and we work hard to find competitive rates on the insurance you need without sacrificing the quality of your coverage. We can also show you additional ways to save on your premiums, such as by raising your deductible or purchasing your auto insurance with the same carrier as your home or renters coverage.

For more information or to request your free home or renters insurance quote, contact our office today.

Thanks for the Reviews!

Not only did Justin save us money but the customer service is phenomenal! So happy I chose to go with him.

Callie W.

22:30 11 Sep 19

We switched from Travelers to Acuity. My transition was fast and easy, and Justin was great to work with. Justin saved us roughly $400/year along with new and better coverage! I would definitely recommend Terp Family Insurance to family and friends!

Alisha J.

20:36 30 Aug 19

We switched from Travelers to Acuity. My transition was fast and easy, and Justin was great to work with. Justin saved us roughly $400/year along with new and better coverage! I would definitely recommend Terp Family Insurance to family and friends!

Justin is wonderful to work with and he understood our needs. In the end we now have better coverage and pay less of a premium. We could not have asked for a better experience.

Allison Jeremy G.

18:25 22 Aug 19

Justin from Terp Family Insurance was fantastic to work with. He was patient, and listened to our specific situation and history. The insurance quote he provided was a better rate than our current company. He made himself available and was quick to respond to questions. Justin even came to our house in the evening after work to discuss additional coverage options and to sign papers when we decided to pursue the insurance we were quoted. We'd highly recommend Terp Family Insurance!

We loved working with Justin. Very quick service and saved money each month plus got better coverage.

mike P.

12:23 30 Jun 19

Justin was very easy to work with, quotes were turned around quickly and he was very thorough explaining the details of the policies!

Jeremy S.

18:04 20 Jun 19

I Think Temp Family Insurance is a top rated insurance company, Very easy to deal with and they make you feel at ease when you are talking to them. Every thing is explained to you so you understand it. The price of my insurance came down quite a bit from my other insurance company and my new policy has much better coverage also. I am very happy with my result and would recommend every one to check them out.

James K.

10:34 20 Jun 19

Justin was great to work with. He worked around my schedule and was able to find a great price for all of our insurance needs and save us money. I highly recommend him!

Lisa B.

13:47 06 Jun 19

He was very fast and efficient and ultimately saved me money. Very happy I went there.

Jo B

00:53 09 May 19

So friendly and great service. We are glad we made the switch to Terp Family Insurance!

Kathryn H.

22:52 16 Mar 19

I can't say enough good things about Justin Terp. He saved me over 50% on my car and renters Insurance. He is a very professional, polite, pleasant guy. Very down to earth and easy to work with. AND when you call, HE answers personally. no stupid recordings. Justin will go well out of his way to help your insurance needs. Highly recommend to everyone!

Markus

21:31 27 Dec 18

After 45 years with my last insurance company, I found better rates and better coverage at Terp Family Insurance. Justin is awesome. He takes the time to explain everything and answer any questions you may have.

Terp Family Insurance provides exceptional service at competitive prices. They helped customize our coverage based on our family's needs. We are highly satisfied knowing we are protected with an agent we can trust.

Matt P.

02:01 28 Sep 18

Very professional, courteous review of our ins. needs. Excellent high quality ins. Package and price presented at the end of our review.

Mike W.

14:43 17 Sep 18

I was looking around for quotes from other insurances and found Terp Family Insurance. Our rates kept going up and the coverage was average. I called and he was very helpful and gave us better insurance for similar cost. I am glad we switched, someone we know who is local and honest.

Jessica K

16:35 12 Sep 18

Justin is extremely professional, and honest, and attention to detail is wonderful. Plus he follows through and explains the whole process. I would highly recommend him to be someone's insurance agent who I can say is on top of his game. You won't go wrong if you decide to use him.

Milwaukee W.

17:16 31 Aug 18

Justin is so personable and explains insurance coverage very thoroughly. We are so glad to have made the switch to Terp Family Insurance. I will recommend him to family and friends!

I highly recommend Terp Family Insurance. Justin was very helpful when it came to me looking to switch insurance companies. He stayed in contact with me throughout the whole process and was understanding in what I was looking for in coverage. He was able to answer any questions I had to help me better understand which route to take and what coverage best suited me. He found me a insurance rate that is the lowest I have had since I started driving, so that was wonderful!

Nichole S.

11:33 28 Jun 18

We highly recommend Terp Family Ins. for your insurance needs. Justin is very knowledgeable and easy to work with. He helped us find the best coverage on our home and autos for the best price.Paul Franzen

Paul F.

21:10 19 Jun 18

New to the Manitowoc area and need insurance?? Justin Terp will provide you excellent customer service. My husband & I were impressed with the way Justin took the time to explain quotes and answer all our insurance questions. Very easy to talk to and professional. We left thinking...he just made insurance fun. Do yourself a favor and call Terp Family Insurance!!

Ann R.

02:11 30 May 18

My wife and I have had all of our insurance needs taken care of through Tim Terp and his agency for many years. Have always been extremely satisfied with the service we received. Sorry to see him retire but glad to see Justin take over. We will look forward to the same services that the Terp name has provided.

Jack M.

12:34 24 Apr 18

Justin is great! He was willing to meet with me face to face and discuss my policies. Justin went through them line by line taking the time to explain what all of the coverages actually do. Before this meeting I actually never really knew what insurance covers and what it doesn’t. When I was younger I was taught that you need insurance, but never really any additional explanation. After our meeting I feel confident knowing what I actually am in need of. When Justin gave us a quote we were able to save a few hundred dollars per year, yet gaining additional coverage. Overall I am very happy to decide to give Terp Family Insurance an opportunity to earn our business. I will recommend Justin to family and friends in the future!

Brian J.

00:36 21 Apr 18

Having worked with Justin in years past it was great to see him back in business again. His knowledge of the insurance business gave us confidence that his recommendations for our family was what we needed plus he saved us a considerable amount of money over our previous policies. We look forward to many years of working with him.

Donald D.

01:59 18 Apr 18

We received excellent help from the Terp Family Insurance when it was time for a change. Justin Terp is very friendly, easy to talk to and will take time for you.

Doug D.

16:04 14 Apr 18

Justin saved us a lot of money on our car insurance and gave us more coverage than we had before.He also gave us a great deal on our home owners insurance.

Nick S.

00:01 11 Apr 18

Justin is an amazing agent! He is so down to earth and treats you like family🙂 He goes over all the information thoroughly and is affordable! Will definitely recommend to my family and friends!!

Daniel M.

18:20 07 Apr 18

We recently switched our personal insurance carrier through Terp Family Insurance. Justin is the absolute best. From the first visit, to the comparisons, his pertinent inquiries and very honest, sage advice, he was just wonderful. He was never pushy or made us feel obligated to make any decisions. We really felt like he treated us like his parents. Additionally, he helped me find coverage for a new business venture. Again, he walked me through the steps and questions with such patience and concern. I can't thank him enough. If you have any insurance needs, we highly recommend contacting Justin Terp in his new office on North Rapids Road.

Charlie S.

17:54 06 Apr 18

We recently switched our personal insurance carrier through Terp Family Insurance. Justin is the absolute best. From the first visit, to the comparisons, his pertinent inquiries and very honest, sage advice, he was just wonderful. He was never pushy or made us feel obligated to make any decisions. We really felt like he treated us like his parents. Additionally, he helped me find coverage for a new business venture. Again, he walked me through the steps and questions with such patience and concern. I can't thank him enough. If you have any insurance needs, we highly recommend contacting Justin Terp in his new office on North Rapids Road.

Ive had all my insurance through Justin for 10 plus years, it was not even a question that I'd be using his services once they became available again. Extremely knowledgeable and personable, Justin, takes the time to help tailor your insurance needs to no matter what you want insured, plus he helps explain exactly where your money is going and what you should expect if you do ever need use your coverage. He provides you the proper coverage for what your needs are through the use of several insurance companies. I would highly recommend his services if you want the best possible coverage for the least amount of money from an agent who is well trained and easy to talk to.

james S.

00:12 24 Mar 18

My experience with Terp Family Insurance was wonderful. Justin is very knowledgeable and was able to make my insurance transition simple and quick. Thank you. Trustworthy! = 5 stars!

Annette S.

15:25 22 Mar 18

Just switched our auto & home insurance to Justin. Could not be happier with the rate and service. Highly recommend using him for all your insurance needs.

Dana K.

17:15 21 Mar 18

I had a fabulous experience working with Justin to acquire a new insurance policy. I had previously had my insurance with his father, and was thrilled to be able to work with Justin in getting just the right policy for me and my family! Justin did a wonderful job helping me find exactly what I needed! 5 Stars!

Justin has been great to work with. He has been responsive to our needs and thoughtful with helping us maximize our coverage at a very reasonable cost.Justin is also very available by phone or email. Since my husband and I both work 9-5 jobs, I appreciate the ability to conduct business over phone or email.

Tanya C.

15:09 10 Mar 18

Justin goes above and beyond for my family and my business’ insurance needs! He saved us so much money and found the best fitting insurance coverage. He’s patient and efficient, and we are so happy to be with Terp Family Insurance!

Ashley H.

19:37 27 Feb 18

Justin was very accommodating, he explained to us the differences between our existing policies and the ones we chose to go with. It was a eye opener knowing how undercovered we previous were with our auto insurance policy. Justin went above and beyond he took the time to throughly explain everything to us. His customer service skills are excellent he treated us like family and not just another insurance policy. We would highly recommend him to all of our friends and family!~ Tabitha Seefeldt

Tabitha S.

20:47 13 Feb 18

We have had our insurance with another company for many years. And we are excited to have made the switch. The time spent with Terp Family has not only saved us some money, but has given us a close trustworthy experience. Terp Family gets to know your family and goes the extra mile to show he cares.

We have had our insurance with another company for many years. And we are excited to have made the switch. The time spent with Terp Family has not only saved us some money, but has given us a close trustworthy experience. Terp Family gets to know your family and goes the extra mile to show he cares.

Jennifer F.

15:57 08 Jan 18

My wife and I have known Justin and his father Tim for 30 plus years. Justin has followed in his father's footsteps offering personalized service to his clients. The transition to our new more comprehensive/cheaper insurance was pain free. We recommend Justin to our friends,family and colleagues.

Raymond M

00:04 08 Jan 18

Justin goes above and beyond. His customer service skills are excellent. He takes the time to explain policy information and makes sure you are comfortable with your policy and insurance coverage. He does not treat you like "just another insurance policy". Would highly recommend him for all your insurance needs.

Lindsey M.

17:28 02 Jan 18

I have known Justin and the Terp family for over 30 years. As soon as his services became available again in the insurance realm there was no one else with whom I would rather do business. His customer service and dedication to providing me with what I need and require is exceptional. I cannot be more pleased to have him back as my insurance agent and will continue to recommend him to anyone who asks.

Anthony M.

02:28 29 Dec 17

Justin was very accommodating, he explained the differences between our existing policy and the new policy we choose. It was an eye opener knowing how under covered we previously were on our home owners policy.

Missy S.

14:35 28 Dec 17

Justin has been very accommodating and looking out for us. He did an excellent job explaining the benefits and differences. Very excited to work with Justin.

Justin Terp is my new agent. He is fantastic. He had me stop in just to review my policy. He was so friendly and helpful. He answered all my questions and even saved me some money by looking over my policy before I got there. I feel like I am in great hands.

Sonja B.

22:18 14 Dec 17

Justin did a great job in explaining different insurance company options & which would be best for us. Went over the coverages for both home & auto; compared them & in the end saved us money.Thanks Justin for your efforts.

We recently switched all of our insurance over to Terp Family Insurance. Justin made the whole process easy to understand and saved us a significant amount of money each month. I would highly recommend Terp Family Insurance for all your insurance needs.

Heidi S.

21:41 04 Dec 17

Justin did a great job finding the insurance that we needed for my business and our home and auto . Justin always treats us fair and looks out for our needs . We saved money ,got lower deductibles,and more coverage. I would recommend Justin to anyone ,he's a great guy ,and easy to work with.

We recently switched our home and auto insurance due to increasing rates with our prior carriers. Justin not only found us savings on both lines, but turned quotes around very quickly. I work for an insurance carrier, and Justin is the exact kind of agent we love to deal with -- prompt responses, clear communication, and super friendly. I HIGHLY recommend Terp Family Insurance!!!

Jenna S.

22:52 22 Nov 17

This was the most pleasant experience I've ever had dealing with insurance. Justin helped me thru the process from start to finish, even offering to help me compare all the quotes I had gathered. The experience was very comfortable and no pressure which was not my experience elsewhere. He is quick to respond to any inquiry and is very thorough and helpful. I would recommend Terp Family Insurance to my friends and family.

Christina C.

16:45 22 Nov 17

Was so happy to hear that Justin is back in business. I transferred all of my insurance to his agency. Justin is extremely knowledgeable and above all "Honest" You won't go wrong with Justin.

paul S.

17:57 04 Nov 17

Happy to work with Justin at Terp Family Insurance. Very knowledgeable, hard working and an honest guy!

Great insurance company! Would highly recommend working with Justin at Terp Family Insurance. He was very quick with getting me quotes and providing me with excellent insurance at a savings compared to my old plan.

Laura S.

16:54 19 Oct 17

Justin was great to work with! He is very knowledgeable and compassionate. He took the time to help us find the right amount of insurance coverage we needed for our home and vehicles while saving us hundreds of dollars in the process. I highly recommend Justin and his insurance agency!

Lisa S.

16:24 18 Oct 17

Justin was great to work with! He is very knowledgeable and compassionate. He took the time to help us find the right amount of insurance coverage we needed for our home and vehicles while saving us hundreds of dollars in the process. I highly recommend Justin and his insurance agency!

Justin is an excellent agent to work with. He was able to quickly provide me with a quote and the rates were better than any other insurance company could quote me. Getting a new policy was extremely easy. He was able to streamline the process, give great direction and answer any question that I had. I have nothing but good things to say about the service since signing on with Terp Family Insurance and would highly recommend him as an agent.

Donny D.

14:51 06 Sep 17

Very knowledgeable and friendly! They were helpful in finding the best option available for our horse farm and vehicles. Everything was explained well that helped the process.

Todd V.

21:36 05 Sep 17

Justin provides exceptional service. He made the process very easy for us and was able to provide us products that exceeded our expectations and save us money. I highly recommend Terp Family Insurance!